The 4 Best Cash-Back Credit Cards On The Market Right Now

Shutterstock/Dean Drobot Editors’ Note: For our coverage of credit card products, Daily Money Life has partnered with CardRatings.Card issuers may pay Daily Money Life and CardRatings a commission.

With the arrival of autumn, many of us are beginning to consider the holidays – and gift-giving.

When you know you’ll be spending a lot of money soon, it’s a good idea to take a few minutes to look for ways to cut costs.For some people, the holiday shopping season is one of the best times to save money through cash-back rewards.

Are you happy with your current credit card and confident that you’re getting at least 2% cash back on every purchase? If not, or if you’re not sure what you’re getting out of it, it’s time to check out the best cashback rewards offers available right now.

These are our top cashback credit cards.

Citi Double Cash is a promotion from Citibank.

Why we like it: This card is dubbed The Best Cash-Back Credit Card for Everyday Use because it earns 1% cash back on all purchases and then another 1% cash back when you pay for them.This is the card for you if you want to know that you’re getting good cash-back rewards on everything with no gimmicks or expiration dates.

What you should know

Citi Double Cash


  • You’ll get 2% cash back on every purchase.
  • There are no restrictions or caps on the amount of money you can get back.
  • There are no ambiguous categories, and everything earns cash back.
  • There is no annual fee.

Note that this card offers a 0% introductory APR on balance transfers for the first 18 months.

Unlimited Freedom is the name of the game.

Why we like it: The Chase Freedom Unlimited card is a top-tier choice for grocery or general cash-back rewards, with no annual fee to worry about.5% cash back on all purchases, with more in some categories.You’ll also get a $200 bonus if you spend $500 in the first three months.

What you should know

Chase Freedom Unlimited


  • On travel-related purchases, Chase gives you 5% cash back.
  • Restaurant dining and drugstore purchases earn you 3% cash back.
  • Every other purchase earns you 5% cash back.
  • Cash-back rewards do not have an expiration date.
  • Purchases have a 15-month introductory APR of 0%, followed by a variable rate of 14 percent.From 99% to 23%74%
  • There is no annual fee.

Note that there is a 3% foreign transaction fee with this card, so plan ahead for international travel.

Quicksilver Cash Rewards from Capital One

Why we like it: It’s a great all-around credit card with 1 reward category.Every purchase earns you 5% cash back.It also gives you a $200 bonus after you spend $500 in the first three months of your account.

What you should know

Capital One Quicksilver Cash Rewards

Capital One is a financial services company based in

  • Get 1% cash back on every purchase – there are no limits or expiration dates on cash-back rewards for the life of the account.
  • Spend $500 on the card in the first three months and get a $200 statement credit.
  • Purchases made during the introductory 15-month period will be charged at 0% APR.
  • There is no annual fee.
  • There are no fees for international transactions.

Citi Specialty Cash

Why we like it: You get 5% cash back in the category where you spend the most, which can vary from month to month, without having to rotate categories or juggle cards.Restaurants, grocery stores, drugstores, home improvement stores, fitness clubs, live entertainment, and certain modes of transportation are all eligible.

What you should know

Citi Custom Cash


  • You’ll get $200 in cash back after spending 750 on purchases in the first three months.
  • Earn 5% cash back on up to $500 per month in your top eligible spending category, plus 1% cash back after that.
  • On all other purchases, you’ll get 1% cash back indefinitely.
  • Purchases have a 15-month introductory APR of 0%.
  • Balance transfers have a 15-month introductory APR of 0%.
  • There is no annual fee.

Cash back is displayed as ThankYou Points, which can be redeemed for cash, gift cards, or Amazon purchases, as well as travel rewards.

With our credit card search tool, you can find whatever you’re looking for in a credit card, whether it’s a balance transfer, reward points, cash back, or a low interest rate.Click here to find the plastic that best meets your requirements.

The information you’ll find on this site is always objective.However, we may be compensated if you click on links within our stories.

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